Credit Officer II
Yesterday• Boston, MA
Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
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Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
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Credit Officer I/II - Middle Market Commercial Banking
Bank of America's Regional Middle Market Commercial Banking team is seeking a Credit Officer I/II to support a diverse portfolio of middle market clients across Northern New England (primarily Massachusetts). Clients include both public and private companies across a broad range of industries, with annual revenues ranging from $50MM to $2BN+.
The Credit Officer (CO) is an experienced professional responsible for delivering strategic, integrated debt capital solutions to commercial banking clients. The role encompasses structuring and advising on a wide range of credit products, including revolving credit facilities, term loans, and syndicated financings.
The CO maintains primary responsibility for managing the Bank's credit exposure to assigned clients, including loans, treasury, derivatives, and other capital markets products that carry credit exposure. Partnering closely with Relationship Managers (RMs), Treasury Solutions Officers (TSOs), and underwriting teams, the CO contributes to delivering comprehensive, client-centric financial solutions.
This role reports to the Commercial Credit Manager and operates within a collaborative, team-oriented environment.
Key Responsibilities
- Lead client and prospect engagement related to credit and debt capital solutions, supporting business development and revenue growth
- Serve as a trusted advisor to clients, providing strategic guidance on capital structure, liquidity, and financing alternatives
- Structure and recommend tailored credit solutions aligned with client needs and risk parameters
- Lead negotiations of loan terms, covenants, and documentation
- Own and actively manage portfolio asset quality, including risk identification and mitigation
- Partner with RMs, TSOs, and product specialists to deliver integrated banking solutions across the platform
- Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards
- Provide mentorship, coaching, and oversight to junior underwriting and analyst team members
Core Skills & Competencies
- Credit structuring, financial analysis and underwriting expertise
- Risk assessment
- Portfolio management
- Loan documentation and negotiation
- Strong decision-making and problem-solving capabilities
- Client relationship management and advisory skills
- Collaboration across product and coverage teams
- Leadership, coaching, and talent development
- Strong written and verbal communication skills
Required Qualifications
- 10+ years of experience in commercial banking, including Middle Market, Leveraged Finance, Large Corporate, or similar business lines
- Strong technical skills, including financial statement analysis, underwriting, cash flow modeling, and credit structuring
- Ability to manage complex transactions and client relationships
- Excellent communication and interpersonal skills
Education:
- Bachelor's degree (BA/BS) required
Shift:
1st shift (United States of America)
Hours Per Week:
40
Pay Transparency details
US - MA - Boston - 100 Federal St - 100 Federal St Lp (MA5100)
Pay and benefits information
Pay range
$125,000.00 - $200,000.00 annualized salary, offers to be determined based on experience, education and skill set.
Discretionary incentive eligible
This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.
Benefits
This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.
Client-provided location(s): Boston, MA
Job ID: BankOfAmerica-JR-26017431
Employment Type: FULL_TIME
Posted: 2026-05-19T19:34:59
Perks and Benefits
Health and Wellness
- FSA
- HSA
- Health Insurance
- Dental Insurance
- Vision Insurance
- Life Insurance
- Short-Term Disability
- Long-Term Disability
- Pet Insurance
- Mental Health Benefits
Parental Benefits
- Non-Birth Parent or Paternity Leave
- Birth Parent or Maternity Leave
- Adoption Assistance Program
- Adoption Leave
- Family Support Resources
Work Flexibility
Office Life and Perks
Vacation and Time Off
- Leave of Absence
- Personal/Sick Days
- Paid Holidays
- Paid Vacation
- Sabbatical
- Volunteer Time Off
Financial and Retirement
- 401(K) With Company Matching
- 401(K)
- Financial Counseling
Professional Development
- Tuition Reimbursement
- Internship Program
- Associate or Rotational Training Program
- Mentor Program
- Access to Online Courses
Diversity and Inclusion